OCBC 365 Credit Card vs UOB One Card
Compare OCBC 365 Credit Card, UOB One Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
OCBC •••• •••• •••• •••• Credit Card Compare OCBC 365 Credit Card | UOB •••• •••• •••• •••• Credit Card Compare UOB One Card |
|---|
Card details
CardIQ
How we calculate scores| Overall | 46Fair Highest | 36Basic |
|---|---|---|
| Cashback | 79/100Highest | 68/100 |
| No annual fee | – | 27/100 |
| Rewards | 13/100 | 13/100 |
The basics
| Card tier | Not published | Not published |
|---|---|---|
| Card type | Not published | Not published |
| Credit rating | Not published | Not published |
| Rewards program | None | None |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 21 years old | 21 years old |
|---|---|---|
| Minimum income | S$30,000 p.a. | S$30,000 p.a. |
| Residency | Singaporean or Singapore PR aged 21 to 55 (S$30,000 a year) or above 55 (S$15,000 a year); foreigner aged 21 and above (S$45,000 a year) | Singaporean or Singapore PR aged 55 and below (S$30,000 a year) or 56 and above (S$15,000 a year); foreigner (S$40,000 a year); or a fixed deposit of at least S$10,000 |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Yes (~60 seconds) |
Repayments
| Interest-free period | Up to 23 days | Not published |
|---|---|---|
| Minimum repayment | S$50 or 3% of the total balance, whichever is higher, and any overdue amount | 3% of current balance or S$50, whichever is higher, plus any overdue amounts |
Rates & fees
Ongoing interest rates
| Purchases | 27.78% p.a.Lowest | 27.80% p.a. |
|---|---|---|
| Cash advances | 28.92% p.a. | 28.50% p.a.Lowest |
Fees
| Annual fee | S$196.20 p.a. | No annual feeLowest |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | S$98.10 | S$0Lowest |
| Cash advance fee | 8% of the amount | 8% of the amount |
| Foreign transaction fee | 3.25% | 3.25% |
| Late payment fee | S$100 | S$100 |
Rewards
Cashback
| Sign-up cashback | S$300 | — |
|---|---|---|
| Spend required | S$800 in 2 months | — |
| Ongoing cashback | 0.25% on eligible spend | 3.33% on eligible spend |
| Cashback cap | S$160 per month | Quarterly cashback of S$60, S$100 or S$200 for S$600, S$1,000 or S$2,000 of spend and at least 10 purchases in each month of the quarter (up to 3.33%); extra cashback at named merchants and on groceries (up to 10% in all) for cardmembers awarded the quarterly cashback, extra capped at S$100 a month. If no quarterly cashback is awarded in a calendar year, a base cashback of 0.03% of the year's spend is credited the next February. |
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards